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New advice on rental car insurance

are you planning a trip that includes a

rental car finding the right size car is

easy but it can really stump you I know

it does me when they ask about those

insurance add-ons Mickey Kimball did

shows us what experts say is worth the

added price and what you can safely say

no with this advice from Consumer

Reports the biggest question is always

should you buy the added coverage or are

you already covered with your own policy

if you think your credit card will

always cover you think again

Consumer Reports reveals money-saving

tips on rental car insurance when Andrea

Ferraro travels on vacation for business

she frequently rents cars but she's

often confused about whether to add the

rental companies insurance to the credit

card and personal coverage that she

already has it's hard to know if you're

fully covered and if you have to write

coverage

Consumer Reports says before you rent a

car check for coverage under your

personal auto insurance and also through

the credit card you'll use credit cards

can change their terms for instance

Discover recently stopped offering

rental car insurance altogether American

Express Chase and Citibank still do

offer it but check their terms and

limits if a credit card is your primary

coverage there could be a benefit to

using it should there be a claim the

credit card insurance could be in line

to cover it and your own auto insurance

rates may not change remember that to be

covered through your credit card you

need to pay for the entire rental with

that card and decline the rental

agencies coverage however if you are

going to depend on your own auto

insurance policy

remember the rental will be covered

under the same terms as your own car so

check those terms carefully for instance

if your personal policy doesn't have

collision coverage you should consider

adding the rental car companies but that

can run as much as $30 a day liability

can run ten to fifteen dollars a day in

the end Andrea says peace of mind is

worth doing the research and paying for

additional coverage if it's needed just

to be safe if you're traveling outside

the u.s. it's very possible your

personal insurance won't cover a rental

car in that case your best option may be

to get the rental companies insurance

Nikki Kim Bolton Channel four the local

station